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Hanover Mortgages

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Opinion

10 Terribly Unfunny Comedians According to The Internet

March 25, 2023 by Brett Tams

Is there a comedian that you don’t understand why people love so much? Same. I don’t know how many times I’ve put a stand-up comedy special on and not been impressed. After polling the internet, “Who is the most unfunny comedian in your opinion?” These are the top-voted answers. 1. Rob Schneider “I saw him live … Read more

Posted in: Saving And Spending Tagged: 2, AI, All, author, comedy, Credit, data, Entertainment, Featured, Finance, Financial Wize, FinancialWize, funny, good, humor, id, internet, layout, list, Live, Local, Make, making, man, More, Move, movies, netflix, new, new year, Opinion, or, Other, points, Popular, reddit, returns, right, room, second, social, television, time, title, young

Warehouse lenders facing fallout from industry woes

March 24, 2023 by Brett Tams

Recent bond-rating reports shine a spotlight on the deposit and investment-portfolio shortcomings of two banks offering warehouse lines – Comerica and Western Alliance.

Posted in: Banking, Mortgage, Mortgage Rates Tagged: 2, 2021, 2022, 2023, action, analysis, assets, balance, balance sheet, Bank, bank of america, Banking, banks, bar, basic, before, big, bond, bonds, business, calm, CEO, climate, Commentary, Commercial, commission, country, couple, coupons, Credit, Crisis, dallas, defined benefit, deposit, Deposits, diversification, earnings, equity, experts, FDIC, fed, Fed Policy, Federal Deposit Insurance Corporation, Federal Open Market Committee, Federal Reserve, Finance, financial stability, Financial Wize, FinancialWize, financing, fixed, funds, future, General, good, Grow, growth, healthy, history, IMBs, impact, industry, industry experts, Inflation, Insurance, interest, interest rate, interest rates, Investing, investment, investment portfolio, investments, Investor, KBRA, legacy, lenders, lending, liquidity, loan, Loans, low, LOWER, making, manage, market, MBS, measure, model, money, More, Mortgage, Mortgage Bankers Association, mortgage loan, Mortgage Rates, Moving, moving in, new, new york, nick, offer, Opinion, or, Origination, Other, pandemic, panic, park, Phoenix, plan, points, pool, portfolio, portfolios, president, Press Release, pressure, protect, quality, quiet, Raise, rate, Rates, ratings, Regulatory, Review, rice, right, rise, risk, Risk management, second, Secondary, securities, Securitization, Sell, sheets, short, short-term loans, Silicon Valley, silicon valley bank, space, stable, states, stress, svb, target, tax, the fed, Too Big to Fail, trading, Underwriting, unique, value, volume, Warehouse Lending, wealth, wealth management, Western Alliance Bank, will

How To Diversify Your Portfolio With Artwork In 2023 – Good Financial Cents®

March 24, 2023 by Brett Tams
Posted in: Money Basics Tagged: 1031, 1031 exchange, 2, 2023, affordable, All, Alternatives, appreciation, art, artists, assets, before, Benefits, Blog, bonds, boring, brokerage, building, Buy, Buying, buying and selling, Capital Gains, capital gains tax, charitable donations, clay, clear, collecting, Collections, commission, cons, crypto, cryptocurrencies, decisions, diversification, diversify, diversity, dividends, donations, estate, expensive, experts, farmland, Fees, Financial Wize, FinancialWize, front, fund, funds, gallery, get started, good, great, growth, helpful, high net worth, hold, hotels, house, How To, Inflation, Insurance, international, Invest, Investing, Investing 101, investment, Investment Funds, investment portfolio, investments, Investor, investors, Learn, liquidity, list, low, Main, maintenance, Make, Make Money, making, market, Media, modern, money, More, most popular, museum, net worth, offer, Opinion, or, Original, Other, outdoors, paint, painting, Personal, photography, Popular, portfolio, Prices, pros, Pros and Cons, protect, Purchase, quality, Real Estate, Rent, Research, returns, Revenue, risk, room, sales, savings, Savings Accounts, Sell, selling, shares, society, stock, stock market, stocks, storage, Style, tax, tax benefits, Technology, The Stock Market, time, title, tools, traditional, Transaction, unique, value, Video, wall, where to invest, will, wood, work, young, youtube

How To Diversify Your Portfolio With Artwork In 2023

March 24, 2023 by Brett Tams

Investing in artwork is a great way to diversify an investment portfolio. Art pieces can provide both aesthetic value and potential financial returns over time. Compared to traditional investments such as stocks, bonds, and savings accounts, artwork has the potential to be less volatile while also appreciating in value with proper care and maintenance.

Art investing requires research into an artist’s past sales prices and reputation, as well as consideration of maintaining artwork over time.

The post How To Diversify Your Portfolio With Artwork In 2023 appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 1031, 1031 exchange, 2, 2023, affordable, All, Alternatives, appreciation, art, artists, assets, before, Benefits, Blog, bonds, boring, brokerage, building, Buy, Buying, buying and selling, Capital Gains, capital gains tax, charitable donations, clay, clear, collecting, Collections, commission, cons, crypto, cryptocurrencies, decisions, diversification, diversify, diversity, dividends, donations, estate, expensive, experts, farmland, Fees, Financial Wize, FinancialWize, front, fund, funds, gallery, get started, good, great, growth, helpful, high net worth, hold, hotels, house, How To, Inflation, Insurance, international, Invest, Investing, Investing 101, investment, Investment Funds, investment portfolio, investments, Investor, investors, Learn, liquidity, list, low, Main, maintenance, Make, Make Money, making, market, Media, modern, money, More, most popular, museum, net worth, offer, Opinion, or, Original, Other, outdoors, paint, painting, Personal, photography, Popular, portfolio, Prices, pros, Pros and Cons, protect, Purchase, quality, Real Estate, Rent, Research, returns, Revenue, risk, room, sales, savings, Savings Accounts, Sell, selling, shares, society, stock, stock market, stocks, storage, Strategies, tax, tax benefits, Technology, The Stock Market, time, title, tools, traditional, Transaction, unique, value, Video, wall, where to invest, will, wood, work, young, youtube

Opinion: California housing and the environment are often at odds. They don’t have to be

March 24, 2023 by Brett Tams

New legislation in Sacramento encourages urban and suburban housing while discouraging exurban sprawl that paves over wilderness and invites fires and floods.

Posted in: Spending Money Wisely Tagged: 2, 2023, ad, affordability, affordable, affordable housing, air, All, Amenities, before, build, building, Built, ca, california, Cities, Clean, climate, commutes, construction, Crisis, data, decades, Development, environment, environmental, existing, Family, farmland, Financial Wize, FinancialWize, flooding, General, Google, government, green, growth, homeownership, homes, Housing, Housing Affordability, housing development, Housing shortage, jobs, LA, Land, Legislation, Live, Local, low, Make, making, More, Multifamily, multifamily housing, natural, needs, neighborhoods, neighbors, new, Opinion, or, Other, Planning, policies, Prices, quality, reach, rental, rental prices, risk, running, rural, safe, san diego, schools, shortage, single, single-family, smart, space, stewardship, story, sustainable, wildfire, will, working, zoning

Disparity in mortgage rates offered by lenders doubled in 2022: Study – Inman

March 22, 2023 by Brett Tams

Disparity in mortgage rates offered by lenders doubled in 2022: Study  Inman

Posted in: Renting Tagged: 2021, 2022, 2023, 30-year, agents, All, assets, average, borrowers, car, CFPB, closing, Closings, color, Consumer Financial Protection Bureau, Consumers, Credit, Credit Bureaus, custom, data, double, Down payments, environment, estate, Fannie Mae, Fees, fico, Financial Wize, FinancialWize, fixed, Freddie Mac, General, good, home, home loans, Homebuyers, Housing, Insurance, interest, interest rates, Las Vegas, Learn, lenders, list, loan, Loans, LOWER, luck, Make, making, money, More, Mortgage, mortgage interest, Mortgage Interest Rates, mortgage payments, MORTGAGE RATE, Mortgage Rates, Mortgages, neutral, new, News, offer, offers, one day, Opinion, or, payments, percent, points, price, protection, Purchase, Purchase loans, Quotes, rate, Rates, Real Estate, Real Estate Agents, realtor, Research, right, rise, Rohit Chopra, save, Save Money, savings, search, second, settlement, shopping, Sites, survey, Technology, time, title, Title Insurance, vacations, working, Zillow

Opinion: Stop speaking mortgage to your clients

March 21, 2023 by Brett Tams

As mortgage professionals, I see us falling into these common traps. We speak a specific jargon. This jargon is what distinguishes us as professionals. However, our clients do not speak our language. And this is a good thing. If our clients spoke “mortgage” they would need us less.

Posted in: Mortgage, Refinance Tagged: 2, 2023, All, author, average, basics, building, buydown, camping, communication, customer service, dining, experience, FHA, Finance, Financial Wize, FinancialWize, financing, Florida, funds, good, great, home, home loan, homebuyer, Homebuyers, industry, language, loan, Local, Make, MI, Mortgage, mortgage professionals, News, offer, Operations, Opinion, or, Other, payments, Personal, personal finance, premium, president, Professionals, right, sales, seller, story, Transaction, trust, Waterstone Mortgage, will, work

10 Movies That Were So Terrible People Didn’t Finish Them

March 21, 2023 by Brett Tams

What movie was so bad you didn’t even finish it? I’ll go first, The People vs. Larry Flynt. Of course, it didn’t help that I was in high school and had no idea what the film was about until I was already sitting in my chair at the theater. After polling the internet, here are the … Read more

Posted in: Saving And Spending Tagged: 2, 2017, 2021, action, AI, All, Appreciate, author, before, birthday, bond, book, Books, boring, chance, Credit, data, Entertainment, Fall, Featured, Finance, Financial Wize, FinancialWize, flight, Free, fun, funny, good, great, grey, helpful, humor, internet, layout, list, Local, Main, Make, making, man, Media, money, More, Move, movies, new, Opinion, or, Other, pie, Popular, pretty, race, reddit, right, room, School, second, social, story, television, time, title, wall, will, woman, work, wrong, Zoom, zoom out

Instacart Mastercard review: Great for Instacart lovers but few others

March 21, 2023 by Brett Tams

Instacart Mastercard overview The Instacart Mastercard earns highly on more than just Instacart purchases and provides more benefits than typical for a card without an annual fee. However, its bonus categories require making purchases in specific ways that may not appeal to everyone. These restrictions are unlikely to convince those not already loyal to Instacart …
Posted in: Moving Guide Tagged: 2, 2021, 2022, 2023, 429, 457, All, Amazon, amazon prime, american express, american express membership rewards, app, Auto, Bank, bank account, before, Benefits, blue, blue cash, bonus, car, cars, cash back, categories, chase, Chase credit cards, chase freedom, chase freedom flex, chase offers, chase sapphire, Chase Sapphire Preferred, chase ultimate rewards, color, Competition, Credit, credit card, credit cards, credits, data, death, deliveries, delivery fees, deposit, dining, Direct Deposit, Discounts, disney, earning, earnings, Emergency, Fees, Financial Wize, FinancialWize, Free, freedom, freedom flex, gas, gas stations, gift, Gift Cards, good, great, grocery, guide, hours, HR, instacart, Insurance, items, list, LOWER, lyft, Make, making, mastercard, meal delivery, Membership Rewards, mobile, Mobile App, money, More, new, offer, offers, Opinion, or, Other, points, prescriptions, protection, Purchase, quality, quarterly categories, Rates, rental, Research, restaurants, return, Review, rewards, right, save, Save Money, Secondary, shopping, Spending, stock, streaming, Style, subscriptions, takeout, taxes, theft, tips, Transaction, transaction fees, Travel, trend, unique, Valuations, value, visa, waiver, warranty, will, woman, young

Broker, Efficiency Products; FHA, VA, USDA News; Bank Failures Explained

March 20, 2023 by Brett Tams

It hasn’t been a good few weeks for banks whose names begin with “Si” (Silvergate, Silicon Valley, and Signature, with Silicon Valley Bank declaring Chapter 11 bankruptcy this morning; today’s Rundown discusses how the bank crisis may impact lenders). Ah, those clever secondary marketing folks. Cornerstone’s Henry S. frets, “I can’t believe it’s bank collapse season already. I just finished taking down my train derailment decorations.” Certainly, time flies by, and I hope you’re wearing some green today. Originally a religious holiday to honor St. Patrick, who introduced Christianity to Ireland in the 5th century, St. Patrick’s Day has evolved into a celebration of all things Irish, with the first parade on March 17, 1762, in New York City, featuring Irish soldiers who served in the English military. It certainly is more fun to think about celebrating the Irish than the constant stream of headlines as people race to conjecture about the health of world banking, and people crying “shoulda woulda coulda.” The markets seem to be performing a stress test on the Fed. The Federal Reserve’s (Fed’s) tightening seems to be finally having an effect, and an early victim has been smaller banks that did a poor job of managing interest rate and deposit concentration risk. (Today’s podcast can be found here and this week is sponsored by Richey May, a recognized leader in providing specialized advisory, audit, tax, technology, and other services in the mortgage industry and in banking.)

Posted in: Refinance, Renting Tagged: 2, 2016, 2023, acquisition, active, All, American Dream, AmeriHome, android, app, apple, Applications, Apps, assets, author, average, balance, balance sheet, Bank, bank statement, Banking, bankruptcy, banks, bar, before, bond, bonds, borrowers, Broker, Built, business, Capital markets, Career, Careers, Census Bureau, choice, Christianity, city, Clean, clear, climate, closing, Commentary, company, Compensation, construction, contingency, correspondent, Credit, credit union, Crisis, customer service, data, Debt, deposit, diversify, down payment, dream, DTI, East Coast, equity, existing, expectations, expenses, experience, experts, facebook, Fall, Family, fed, Federal Reserve, FHA, FHA mortgage, Finance, Financial Wize, FinancialWize, financing, flood, Flood insurance, Free, friendly, fun, fund, future, Ginnie Mae, good, Google, government, green, Grow, growth, guide, health, HECM, HELOC, Hiring, history, holiday, home, home loans, homeownership, hourly, hours, Housing, Housing Starts, HUD, impact, industrial, industry, industry experts, Inflation, Inquiries, Insurance, Integration, interest, interest rate, interest rates, investors, iOS, iPhone, Janet Yellen, job, jobs, labor market, language, Leaders, Learn, lenders, lending, liquidity, LLC, loan, loan modification, loan officers, Loan origination, Loans, LOS, Loss mitigation, Make, market, Marketing, markets, MBA, MBS, md, Media, meta, Michigan, military, mobile, Mobile App, money, More, Mortgage, mortgage lender, mortgage lending, Mortgage News, Mortgages, Move, National Flood Insurance Program, needs, new, new home, new york, new york city, News, NMLS, non-QM, non-QM lending, offer, one year, Operations, Opinion, opportunity, or, organization, Origination, Other, park, payments, percent, Permits, place, podcast, points, pool, poor, portfolio, portfolios, premium, pressure, price, Prices, products, programs, property, protect, Purchase, race, Raise, rate, Rates, ready, Refinance, Residential, return, right, rise, risk, Secondary, securities, Securitization, security, Sell, selling, servicemembers, shares, sheets, short, Silicon Valley, silicon valley bank, single, single-family, single-family housing, SINGLE-FAMILY HOUSING STARTS, social, Social Media, Software, stable, states, stress, stretched, suite, survey, svb, tax, Technology, the fed, The VA, time, title, traditional, Transaction, Treasury, trend, Twitter, under, unique, update, updates, upgrades, USDA, VA, value, veterans, volatility, Wholesale Lending, will, work
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